Go to file menu – Save this as a .psd and name it “displacement map”. Click save button with maximum compatibility

Now apply the saved displacement map to reflection layer.

To do that, Go to Filter – Distort – Displace and a dialogue box appears. set the Horizontal and vertical Scale to 10,

Select Stretch to Fit and Repeat Edge Pixels.

Click ok you will be asked to find a displacement map and select .psd image we made earlier.

We successfully created a realistic water reflection effect.

Finally To finish off, we’ll make some small adjustments like adding shadows, water color and haze to the image as a whole.

After that create new document size for instagram and place the final photo in to the document. Resize and re-position to your liking. Save as JPEG and upload to instagram or any other social media sites.